Payday Battle

[AJ2012]

Good job!!

 

Did you miss payments with them?

 

Aj2012

[elhs]

Hi again, good job with TXT Loan, I have found them fairly helpful with me aswell actually.

 

I have sent my email to Payday Express so thanks for that one - still awaiting a reply.

 

Thank you for being so helpful!

[azzadle]

Chaps,

 

Txtloan have agreed to accept a payment of £117 at the end of the month to settle the debt, so no extra charges or interest.

 

Another one sorted and soon to be rid of!

 

I also got them to agree to an F+F of £79 - borrowed £200 and repaid £210 to date and they still wanted £192. Told them charges weren't on, they emailed back saying OFT say we can add these if we like and my reply was stuff that, spoke to a manager on the phone who swiftly wiped the charges and agreed to the £79 settlement at the end of the month.

 

Minicredit could learn a thing or two here..

[Guest Poguesy]

Good job!!

 

Did you miss payments with them?

 

Aj2012

 

Originally due to repay the £117 in January but defaulted, so they setup the repayment plan at cost of £218.

 

I was going to intially accept it but thought why the hell should i give them an extra £101?

 

Took a little bit of arguing but got there in the end.

[Guest Poguesy]

QuickQuid sorted!

 

It's a pain in the backside waiting for the original 3-month plan to default but at last i've got somewhere.

 

For anyone new, use [email protected] to sort out a repayment plan.

 

It's your best bet

[quackquack]

excellent well big done for getting rid of cheque centre uv done fab now dont give up onwards and forwards keep going i did it u can too and i want to read the post u have finally got rid of all of them like i did xxxxxxxxxxxxxxxxxxxxxxx:-D:lol:

[quackquack]

ps asmilecostsothing cheers for the brill pic i hope ur doing well sunshine its like were old mates on here ,what would we do without each other now xxxxxxxtake care xxxxxxxxxxx:-D:lol:

[elhs]

Poguesy - HOW did you get a payment plan with Payday Express?? They are an absolute nightmare I am being hounded with phonecalls and emails from them about what I owe and they constantly add charges. I tried the email address you said and they just keep fobbing me off saying that I need to have lost my job or have a severe disability! I am getting knowhere with them they are driving me mad.

 

Has anyone had any dealings with Uncle Buck, having the same problem with them as with Payday Express completly refusing a repayment plan!

[Guest Poguesy]

Poguesy - HOW did you get a payment plan with Payday Express?? They are an absolute nightmare I am being hounded with phonecalls and emails from them about what I owe and they constantly add charges. I tried the email address you said and they just keep fobbing me off saying that I need to have lost my job or have a severe disability! I am getting knowhere with them they are driving me mad.

 

Did you receive a written response from that email and if so what did they say?

 

Just stick to your guns and don't give in. Continue to send more emails of complaint to that address, tell them you refuse to pay anything over the loan amount and original interest.

 

Threaten them with various actions like they do to us.

 

Eventually they will give in. It just takes time

[elhs]

This is one of the replies I received..

 

Thank you for your recent email and your request for a repayment plan.

 

Our accepted criteria for a repayment plan is as follows:

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

Redundancy or Reduced hours (contractual hours reduced by company)

 

If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan.

 

We will require you to send in bank statements covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage. If you are now unemployed we will also need to see proof of unemployment or redundancy. If your contractual hours have been reduced by your employer, we would need to see a letter from your employer confirming this. Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements.

 

Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan is unlikely to be considered.

 

Should you wish to discuss these options or your account please call our office on 0115 908 1163 and one of our advisers will be able to assist you.

 

Please do not hesitate to contact us should you require any further information.

 

Thank you

 

 

I emailed back explaining again about why I required a repayment plan etc etc and just got the same thing back again and the suggestion I used their extend and repay plan which is not what I want to do!

 

I will keep on it and threaten some more! Just wish all the phonecalls would stop to be honest

[quackquack]

yes get it all in writing:whoo:

[Guest Poguesy]

Elhs,

 

They are quite stressful to deal with it but you get a good sense of relief once they back down and agreed to a plan.

 

In the few weeks in took me to get it sorted out with them i never did receive many phone calls. I believe they just pick and choose with each individual.

 

Anyways, keep me updated on how you get on

[quackquack]

yes keep at it:roll:

[elhs]

Elhs,

 

They are quite stressful to deal with it but you get a good sense of relief once they back down and agreed to a plan.

 

In the few weeks in took me to get it sorted out with them i never did receive many phone calls. I believe they just pick and choose with each individual.

 

Anyways, keep me updated on how you get on

 

Yes they must do, they call my house phone and mobile about 10 times a day. I stopped answering my mobile but my parents are answering the house phone they are getting pretty annoyed about it!

 

I took a call today and the guy was so unhelpful, they have been ignoring my emails and he said to sort it out it must be over the phone and it didn't look good on me that I was refusing to speak to them on the phone and that he will continue to call me until I do so!! I may just have to break the rule of keeping it all in writing to get them off my back its a joke how much they harrass you. But you are right, I am looking forward to the day they finally give in and I can not have to see that number popping up on my phone!!

[asmilecostsnothing]

Please don't phone PDE - don't fall for this trick

If there was one company not to ring it would be this mob

 

Have you thought about making a payment (even if just a small token) to them regardless, just thinking it may help ease of calls and get them of your back whilst a visit to CAB and complaint city is probably what is needed

 

My communication was regretably largely phone bound (there were no emails unless you count the generic ones) and as you can guess the conversations got quite distorted so don't go, unless you've a recorder

[renegadeimp]

@elhs I hope you havent sent in ANY bank statements. They do not need them and are in fact breaking the data protection act. The most you need to send them is a simple income and expenditure form.

 

As for the phone. If they ring again, answer it and simply say:

 

" Please listen. Any and all communication to me from this second onwards in regards to any percieved debt i have with your company or representatives must be in written format via email or recorded delivery letter. Any phone calls or attempted contact outside of the written format stated, from you or your representative from this moment onwards will be considered ongoing harassment and the police will be informed".

 

If they interrupt, restate this, even if it means overtalking them and then hang up the phone.

 

You are falling right into their trap. They want you to make arrangements on the phone so there is no evidence that a payment plan was set up. Plenty of PDL's have arranged a repayment plan, only to add more charges and say that no plan was ever agreed upon.

 

Don't give in. Theres a very good reason why people say not to give in to them or deal with them by phone. We dont just say it for a joke.

Edited March 21, 2012 by renegadeimp

[elhs]

Please don't phone PDE - don't fall for this trick

If there was one company not to ring it would be this mob

 

Have you thought about making a payment (even if just a small token) to them regardless, just thinking it may help ease of calls and get them of your back whilst a visit to CAB and complaint city is probably what is needed

 

My communication was regretably largely phone bound (there were no emails unless you count the generic ones) and as you can guess the conversations got quite distorted so don't go, unless you've a recorder

 

I will stand my ground! I think I may just have to find a recorder because I have alrady had three phonecalls this morning, its ridiculous.

 

I was intending on making a small payment at the end of this month when I get paid, before that I can't afford to. I have told them but they say until they get the payment it doesn't matter. I will just keep trying with them and report them, don't trust them at all

[elhs]

@elhs I hope you havent sent in ANY bank statements. They do not need them and are in fact breaking the data protection act. The most you need to send them is a simple income and expenditure form.

 

As for the phone. If they ring again, answer it and simply say:

 

" Please listen. Any and all communication to me from this second onwards in regards to any percieved debt i have with your company or representatives must be in written format via email or recorded delivery letter. Any phone calls or attempted contact outside of the written format stated, from you or your representative from this moment onwards will be considered ongoing harassment and the police will be informed".

 

If they interrupt, restate this, even if it means overtalking them and then hang up the phone.

 

You are falling right into their trap. They want you to make arrangements on the phone so there is no evidence that a payment plan was set up. Plenty of PDL's have arranged a repayment plan, only to add more charges and say that no plan was ever agreed upon.

 

Don't give in. Theres a very good reason why people say not to give in to them or deal with them by phone. We dont just say it for a joke.

 

No I haven't sent any bank statements I did think it must be breaking some sort of protection act so I refused. Thanks for advice on what to say, I will do this next time they call. I know you are right just so hard with the phone ringing constantly! But I will take your advice you all know what you are doing much more than me! Thanks

[Jon1965]

No payday loans , and in Lancashire....now I really do hate you lol

love it cheers asmilecostnothing the suns shining here in lancashire too its lovely even lovelier that i dont have any pdl anymore and i can pop on here to help out ....have a brill day all of u and yes it can bexxxxxxxxxxxxxxxxxxxxxxxx:lol: done

[Guest Poguesy]

Elhs,

 

How you getting on with them?

 

Keep on getting complaints sent into [email protected], repeatedly every day if necessary.

 

Mention every possible thing you can mention, including the constant phone calls, and if any staff have been rude over the phone then do add that.

 

Hopefully, you'll get your letter or phone call from the customer care department within the next week or so.

 

It's nice when they actually turn round and apologise to you at the end of it all, and of course set the plan up

[renegadeimp]

No I haven't sent any bank statements I did think it must be breaking some sort of protection act so I refused. Thanks for advice on what to say, I will do this next time they call. I know you are right just so hard with the phone ringing constantly! But I will take your advice you all know what you are doing much more than me! Thanks

 

No probs. I know its hard. I did the same thing on the phone years ago when i racked up a lot of debt. Just stick with it and when it finally clicks with those morons that you arent going to be taken for a ride, it will be a HUGE weight off your shoulders.

 

Remember, you have a legal statutory right for ALL communication to be in writing should you need to prepare a defence for court. If they try to say otherwise, simply restate the above or hang up.

 

If they call again, make a log of the date and time of every call. This is the single most important thing you should be doing in regards to the phone calls, as you can contact trading standards/OFT/FOS and even the police and file a harassment suit against them.

 

If they do call, Pick up the phone for a few seconds so it registers with the telephone provider, then hang up. Do not converse with them. This way, should your case ever go to court, they can contact the provider for evidence of just how often they are ringing you.

[azzadle]

Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

[elhs]

Elhs,

 

How you getting on with them?

 

Keep on getting complaints sent into [email protected], repeatedly every day if necessary.

 

Mention every possible thing you can mention, including the constant phone calls, and if any staff have been rude over the phone then do add that.

 

Hopefully, you'll get your letter or phone call from the customer care department within the next week or so.

 

It's nice when they actually turn round and apologise to you at the end of it all, and of course set the plan up

 

Hiya

 

I have sent about 2-3 emails a day. I finally got a reply today but it just asked for an income expenditure form, so will do that and then see what happens. can't believe how long it is taking!!

 

Can't wait for that day I really can't!! How have you been getting on?

[elhs]

No probs. I know its hard. I did the same thing on the phone years ago when i racked up a lot of debt. Just stick with it and when it finally clicks with those morons that you arent going to be taken for a ride, it will be a HUGE weight off your shoulders.

 

Remember, you have a legal statutory right for ALL communication to be in writing should you need to prepare a defence for court. If they try to say otherwise, simply restate the above or hang up.

 

If they call again, make a log of the date and time of every call. This is the single most important thing you should be doing in regards to the phone calls, as you can contact trading standards/OFT/FOS and even the police and file a harassment suit against them.

 

If they do call, Pick up the phone for a few seconds so it registers with the telephone provider, then hang up. Do not converse with them. This way, should your case ever go to court, they can contact the provider for evidence of just how often they are ringing you.

 

Thanks, actually I just started a log but didn't think to actually answer then hang up, will do that. They are still calling even though I have said what you wrote before!! They are a nightmare!

[elhs]

Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

 

Capital Finance - good luck!! They took over £600 out of my account when I got paid despite the fact I had a repayment plan with them and are still refusing a refund. be very very careful with them. MT Collect is the debt collecter they hand over to (although I am pretty sure it is just a division of their company not a seperate company). They were quite rude at first but I finally spoke to someone who was really helpful and set up a payment plan of £20.00 a month straight away for me and I haven't had problems with them so far. Problem with Cap Finance I found is that they have never once answered any of my emails. So I was forced to do it over the phone - which as you can see from here is NOT the way to do it!

 

Do you have a repayment plan with Minicredit? I'm having so much trouble with them, they refuse every payment plan I suggest!

 

well done on your other negotiations don't worry I completley gatecrashed this thread aswell!!